๐A single person spends $866 per month in Chiang Mai vs $2,490 in Karmรธy, rent included.
๐A couple spends around $1,351 per month in Chiang Mai vs $3,838 in Karmรธy, rent included.
๐A family of three spends $1,835 per month in Chiang Mai vs $5,185 in Karmรธy, rent included.
๐Chiang Mai is about 65% cheaper than Karmรธy, driven mainly by Eating Out.
๐Chiang Mai sits 35% below the global median, while Karmรธy is 86% above โ they fall on opposite sides of the world average.
Currency
๐ฝ Eating Out
Chiang Mai
Karmรธy
Difference
Meal at Budget Restaurant
$1.94เธฟ63.8
$24.81NOKย 235
-92.18%
Three-Course Dinner for Two, Mid-Range
$18.64เธฟ611
$99.6NOKย 941
-81.28%
Fast Food Meal(McDonalds, etc)
$7.82เธฟ256
$13.60NOKย 129
-42.50%
Cappuccino
$1.95เธฟ64.1
$4.83NOKย 45.66
-59.63%
Coke/Pepsi/Fanta/Sprite(0.33 liter bottle)
$0.85เธฟ27.90
$3.19NOKย 30.20
-73.35%
Water(0.33 liter bottle)
$0.35เธฟ11.64
$2.94NOKย 27.76
-88.10%
Local Beer(0.5 liter draught)
$2.13เธฟ69.9
$9.93NOKย 93.9
-78.55%
Imported Beer(0.33 liter bottle)
$3.73เธฟ122
$9.38NOKย 88.7
-60.23%
๐ Groceries & Markets
Chiang Mai
Karmรธy
Difference
Milk(1 liter)
$1.71เธฟ56.2
$2.25NOKย 21.30
-24.00%
White Bread(500g)
$1.63เธฟ53.4
$3.32NOKย 31.41
-50.90%
Rice(white)(1kg)
$1.14เธฟ37.32
$3.33NOKย 31.49
-65.77%
Eggs
$1.93เธฟ63.4
$4.42NOKย 41.83
-56.33%
Local Cheese(1kg)
$16.21เธฟ532
$12.17NOKย 115
33.20%
Chicken Fillets(1kg)
$3.12เธฟ102
$14.81NOKย 140
-78.93%
Beef Round Steak(1kg)
$10.90เธฟ357
$28.09NOKย 266
-61.20%
Apples(1kg)
$2.75เธฟ90.4
$3.53NOKย 33.35
-22.10%
Banana(1kg)
$1.21เธฟ39.70
$2.50NOKย 23.61
-51.60%
Oranges(1kg)
$1.62เธฟ53.2
$3.37NOKย 31.89
-51.93%
Tomato(1kg)
$1.59เธฟ52.1
$4.50NOKย 42.53
-64.67%
Potato(1kg)
$1.40เธฟ45.91
$2.48NOKย 23.44
-43.55%
Onion(1kg)
$1.17เธฟ38.34
$2.50NOKย 23.59
-53.20%
Lettuce(1 head)
$0.66เธฟ21.70
$2.76NOKย 26.14
-76.09%
Water(1.5 liter bottle)
$0.53เธฟ17.30
$1.92NOKย 18.16
-72.40%
Cigarettes 20 Pack(Marlboro, Camel)
$4.69เธฟ154
$13.83NOKย 131
-66.09%
Wine(Bottle)
$18.66เธฟ612
$18.34NOKย 173
1.74%
Local Beer(0.5 liter bottle)
$1.80เธฟ59.0
$3.26NOKย 30.83
-44.79%
Imported Beer(0.33 liter bottle)
$3.23เธฟ106
$4.08NOKย 38.61
-20.83%
๐ Getting Around
Chiang Mai
Karmรธy
Difference
One-way Ticket(Public Transport)
$0.90เธฟ29.39
$4.31NOKย 40.74
-79.12%
Public Transport Monthly Pass(Regular Price)
$19.21เธฟ630
$72.7NOKย 687
-73.57%
Taxi Start(Normal Tariff)
$1.41เธฟ46.13
$10.02NOKย 94.7
-85.93%
Taxi(Normal Tariff)(1km)
$1.29เธฟ42.31
$1.45NOKย 13.69
-11.03%
Taxi 1hour Waiting(Normal Tariff)
$7.84เธฟ257
$46.91NOKย 443
-83.29%
Gasoline(1 liter)
$1.27เธฟ41.77
$2.08NOKย 19.67
-38.94%
Midsize Hatchback 1.4l(Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$21.3Kเธฟ698.1K
$35.1KNOKย 331.8K
-39.39%
Compact Sedan 1.6l(Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$22.2Kเธฟ728.8K
$39.2KNOKย 371.0K
-43.40%
๐งพ Monthly Utilities & Internet
Chiang Mai
Karmรธy
Difference
Utilities for 2 People in 2-bedroom Apartment(Heating, Electricity, Gas, Water, Garbage)(85m2)
$69.1เธฟ2,266
$244NOKย 2,306
-71.69%
SIM Card Monthly Plan(Calls and 10GB+ Data)
$14.08เธฟ462
$37.96NOKย 359
-62.91%
Internet(50+ Mbps, Unlimited Data)
$18.00เธฟ591
$55.4NOKย 523
-67.49%
๐ Sport & Entertainment
Chiang Mai
Karmรธy
Difference
Gym Membership(Monthly)
$41.06เธฟ1,347
$49.25NOKย 466
-16.63%
Tennis Court(1 Hour on Weekend)
$6.96เธฟ228
$34.82NOKย 329
-80.01%
Cinema Ticket
$5.92เธฟ194
$16.76NOKย 158
-64.68%
๐งธ Childcare & Education
Chiang Mai
Karmรธy
Difference
Preschool or Kindergarten, Full Day, Private, 1 Child(Monthly)
$299เธฟ9,811
$282NOKย 2,668
5.96%
International Primary School, 1 Child(Yearly)
$15.0Kเธฟ490.6K
$10.3KNOKย 97.0K
45.73%
๐๐ Clothing & Footwear
Chiang Mai
Karmรธy
Difference
Jeans(Levis 501 Or Similar)
$54.7เธฟ1,795
$95.9NOKย 906
-42.95%
Summer Dress(H&M, Zara, etc)
$26.77เธฟ878
$51.7NOKย 488
-48.19%
Sport Shoes(Adidas, Nike)
$85.0เธฟ2,788
$107NOKย 1,009
-20.40%
Men's Leather Business Shoes
$70.6เธฟ2,316
$154NOKย 1,451
-54.01%
๐ Accommodation & Living
Chiang Mai
Karmรธy
Difference
1-bedroom Apartment, City Center(Monthly)
$428เธฟ14.0K
$1,219NOKย 11.5K
-64.88%
1-bedroom Apartment, Outside City Center(Monthly)
$237เธฟ7,787
$877NOKย 8,293
-72.94%
3-bedroom Apartment, City Center(Monthly)
$801เธฟ26.3K
$1,789NOKย 16.9K
-55.20%
3-bedroom Apartment, Outside City Center(Monthly)
$515เธฟ16.9K
$1,532NOKย 14.5K
-66.35%
Buy Apartment in City Center(m2)
$1,975เธฟ64.8K
$6,260NOKย 59.2K
-68.46%
Buy Apartment Outside City Center(m2)
$1,475เธฟ48.4K
$4,632NOKย 43.8K
-68.16%
๐ต Salaries & Financials
Chiang Mai
Karmรธy
Difference
Average Monthly Net Salary(After Tax)
$617เธฟ20.3K
$4,169NOKย 39.4K
-85.19%
20-Year Fixed Mortgage Interest Rate(Annual %)
5
4.38
14.16%
CityCost data is based on AI and user input โ minor inaccuracies may occur.
Last update for Chiang Mai: May 31, 2026
Last update for Karmรธy: June 2, 2026
Cost Breakdown
๐ A central one-bedroom costs $428 in Chiang Mai versus $1,219 in Karmรธy. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.
๐ฐSalaries run about 575% higher in Karmรธy, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.
๐A mid-range dinner for two costs $19.00 in Chiang Mai versus $100 in Karmรธy. Monthly groceries follow the same trend: $246 vs $458 โ making Chiang Mai the more affordable choice for daily food spending.
City Median Internet Speeds Comparison (Updated April 2026)
The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.
Digital Nomad Cost of Living Index
Chiang Mai vs Karmรธy: Cost of Living - Frequently Asked Questions
Which city is more expensive, Chiang Mai or Karmรธy?
Karmรธy costs about 187% more than Chiang Mai, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.
How much do you need to earn to live comfortably in Chiang Mai vs Karmรธy?
For a comfortable life, plan on about $1,300 per month in Chiang Mai and $3,735 in Karmรธy. That covers rent, food, utilities, transport, and enough left over to feel settled โ not just surviving.
Where is rent cheaper, Chiang Mai or Karmรธy?
Rent is clearly cheaper in Chiang Mai, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.
How do childcare costs compare in Chiang Mai and Karmรธy?
Kindergarten costs $299 per month in Chiang Mai and $282 in Karmรธy. For families with young kids, this one expense can tip the scales when choosing between the two cities.
Are groceries more expensive in Chiang Mai or Karmรธy?
Groceries cost about 86% more in Karmรธy, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.
Can you live on $1,000/month in Chiang Mai or Karmรธy?
A $1,000 monthly budget goes further in Chiang Mai, where all-in costs run around $866, than in Karmรธy at $2,490. In Chiang Mai it covers expenses comfortably, while in Karmรธy it requires careful planning or may not stretch far enough.
Which city is better for digital nomads, Chiang Mai or Karmรธy?
For digital nomads, it depends on budget. Chiang Mai costs $866 versus $2,490 in Karmรธy. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.
How safe is Chiang Mai compared to Karmรธy?
Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison โ central, well-trafficked areas feel secure in both.
Should I move to Chiang Mai or Karmรธy?
If budget matters most, go with Chiang Mai. If higher salaries, better infrastructure, or specific career opportunities are the priority, Karmรธy makes more sense. Both are solid long-term options with distinct trade-offs.
Chiang Mai vs other spots: cost of living compared